Chubb: AI efforts
Chubb's AI programme is overwhelmingly proprietary and in-house, framed by CEO Evan Greenberg as operational transformation rather than hype. At its December 2025 investor day it targeted automating ~85% of major underwriting and claims processes. Part of InsureBench's overview of AI in insurance; every figure is sourced.
Where Chubb ranks on AI
Chubb ranks #12 of 30, up 7 places year-on-year, in the 2026 Evident AI Index for Insurance.7 Its programme is anchored by a four-part "Enterprise AI" suite and concrete, already-running deployments.1
Chubb runs lean and in-house: it has not named a foundation-model partner, and CEO Evan Greenberg is notably cautious — describing AI as iterative "gritty work" he is "not breathless about."3
global insurers
The AI build-out
From a cautious, algorithmic start to an ambitious in-house transformation agenda.
Algorithmic AI "at scale"
Greenberg says Chubb has used algorithmic AI for years and is preparing to roll it out at scale.6
Cytora for claims
Chubb engages UK insurtech Cytora for generative-AI claims-document automation.4
Internal copilot "app store"
Greenberg describes an internal ChatGPT-style copilot "app store" for employees.3
Chubb Studio AI engine
Chubb launches an AI-powered embedded-insurance optimization engine for point-of-sale personalization.5
Investor day: Enterprise AI
Chubb unveils a four-part Enterprise AI suite and targets ~85% process automation and a ~20% workforce reduction over 3-4 years.1
Evident AI Index
Chubb ranks #12 of 30, up 7 places year-on-year.7
Inside the programme
A proprietary AI suite, a claims-automation vendor, and an embedded-insurance engine — built largely in-house.
Enterprise AI
"Chubb AI" (productivity), "Engineering Code", "Continuous Audit" and "Generative Business Intelligence" — presented Dec 2025.1
Cytora
A generative-AI engagement automating claims-document processing — Chubb's only named external gen-AI vendor.4
Chubb Studio AI engine
Proprietary AI optimising point-of-sale personalization for embedded insurance partners.5
3,500+ engineers
Chubb builds with 3,500+ engineers across hubs in Mexico, Greece, India and Colombia.1
"That I'm not breathless about. That will evolve over the next number of years."
Evan Greenberg, Chairman & CEO, Chubb, on generative AI — Jun 20243In-house, transformation-first — and deliberately cautious
Chubb's AI is overwhelmingly proprietary, framed as operational and financial transformation rather than an ethics programme — with Greenberg repeatedly tempering the hype and emphasising iterative, measurable work.
Whether that automated underwriting and claims work is actually right is exactly what an insurance AI benchmark measures.
- Proprietary first — built in-house, no named model partner
- Cytora — the one confirmed external gen-AI vendor (claims)
- Targeting a ~20% workforce reduction over 3-4 years
- CEO framing: iterative "gritty work," not hype
Why this matters for benchmarking
Chubb is automating commercial underwriting and claims at scale — the exact work InsureBench scores. The more those decisions are model-driven, the more it matters whether they're right. See the methodology.
Sources
- Chubb — Investor Presentation, Dec 8 2025 (Enterprise AI; 45k submissions/mo; 24h→2h). chubb.com
- Process Excellence Network — Chubb's digital transformation plans (Dec 2025). processexcellencenetwork.com
- Carrier Management — Greenberg on gen-AI: "not breathless" (Jun 6 2024). carriermanagement.com
- Cytora — Cytora engaged by Chubb to enhance claims automation (Feb 28 2024). cytora.com
- Chubb — Chubb launches AI-powered embedded-insurance engine (Nov 12 2025). news.chubb.com
- Insurance Business — Chubb exploring AI, preparing rollout at scale (Apr 2023). insurancebusinessmag.com
- Evident Insights — AI Index for Insurance 2026 (Chubb #12, up 7). evidentinsights.com